If you’re a member of an occupational scheme, your eligibility for ProfitShare is based on the date your scheme began – not the date you joined. If you’re unsure about the date your scheme began, you should speak to your employer or the scheme trustees.

Unfortunately, we're unable to offer ProfitShare under our Crest Secure, Retirement Account contracts or any self-invested retirement savings you have. Any plans set up with The Co-operative Insurance Society Limited (CIS) also won't qualify.

ProfitShare awards will be applied as at 1 April each year. To qualify, your plan must be in force on 31 December the previous year and on the date the award is given.

There's no guarantee that we'll be able to award ProfitShare every year.